Tightwads Guide to Saving on New Boston Car Insurance

Having to pay for overpriced car insurance can dwindle your personal savings and force you to make sacrifices. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

With consumers having so many insurance companies to choose from, it can be diffult for consumers to locate the lowest price insurance company.

It's important to do rate comparisons quite often due to the fact that insurance rates are constantly changing. If you had the best price last year you will most likely find a better rate today. Forget all the misinformation about car insurance because you're about to learn one of the easiest ways to buy cheaper car insurance.

Finding affordable coverage in New Boston is quite easy. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Nevertheless, New Hampshire consumers do need to know how companies determine prices and apply this information to your search.

How much can you save with discounts?

Companies don't list all their discounts very well, so we took the time to find both the well known and the harder-to-find savings tricks you should be using.

College Student - Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for reduced rates.
Military Rewards - Being on active duty in the military can result in better rates.
Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.
Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Drive Less and Save - Keeping the miles down can earn discounted rates on garaged vehicles.
Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
Accident Free - Drivers who don't have accidents can save substantially as compared to drivers who are more careless.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, companies don't profit that way.

How much car insurance do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured's situation is different so your insurance should reflect that For example, these questions may help you determine if your insurance needs would benefit from an agent's advice.

Why does it cost so much to insure a teen driver in New Boston?
Should I buy additional glass protection?
Do I have coverage when using my vehicle for my home business?
Do I need to file an SR-22 for a DUI in New Hampshire?
What are New Hampshire no-fault laws?
Do I need special endorsements for business use of my vehicle?
Are rental cars covered under my policy?
Is my dog or cat covered if injured in an accident?

If you're not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to make an identical promise of big savings if you move to them. But how can every company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the type of driver that earns them a profit. For example, a desirable insured might be between 25 and 40, insures multiple vehicles, and drives newer vehicles. Any driver who meets those qualifications will get the preferred rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will have to pay more money and ends up with the customer not buying. The ads state "drivers who switch" but not "drivers who get quotes" save money. This is how insurance companies can confidently claim big savings. Because of the profiling, you should get a wide range of price quotes. You cannot predict which insurance companies will give you the biggest savings.

More sites with car insurance information

More tips and info about car insurance can be found at the New Hampshire Insurance Department website. Visitors are able to read enforcement actions against agents and companies, learn about insurance regulations, find disaster information, and file complaints about a company.

Also read more on this Car Insurance FAQ and this page of insurance agents in New Boston.

The best insurance company isn't always the cheapest

When trying to cut insurance costs, don't be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to get the best coverage possible for the lowest price.

Cost effective car insurance is possible both online and with local New Boston insurance agents, so you should compare both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.